Do I still need FR44 if I have an ignition interlock device?
Yes. The ignition interlock device (IID) and the FR44 filing are separate requirements — one does not replace the other. Florida may require both after a DUI conviction. The interlock prevents you from starting the car if you've been drinking; the FR44 proves you carry enhanced liability insurance. You need both to satisfy the state.
Two Requirements, Two Purposes
- Ignition interlock — A physical device on your vehicle that requires a breath sample before the engine starts. Prevents impaired driving.
- FR44 insurance — A financial responsibility filing that proves you carry enhanced liability coverage ($100,000/$300,000/$50,000). Protects other motorists.
Florida mandates them for different reasons, and satisfying one does not satisfy the other.
What If I Don't Own a Car?
If you have an interlock requirement but don't own a vehicle, you may need a non-owner FR44 policy to satisfy the insurance requirement while the interlock is installed on a vehicle you have access to (like a family member's car). This is a common situation — call (855) 678-6977 and we'll help you sort out the right policy type.
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